so, you say that if you are in any kind of, like malibu, california, maybe you are up on the hill but that's a fire zone. so, if you are in any kind of zone, that may be risky, the government should say hey, you are on your own and if you can find an insurer who is going to do that for exorbitant price if you can't that's tough. >> exactly. private insurer are experts in figuring out what's a risk. that's information that the government obliterates by saying we don't want anyone to lose. we will cover you. >> bill: they cover you at a high rate. they are not giving you bonus on this. if you have to buy insurance beachfront government. >> you are not paying the real cost. otherwise, the flood insurance plan wouldn't be billions in the red. >> you are paying more than you would to a private company if you have to buy fema insurance, government insurance. i had to do it a couple of times and i know. so now you have a lot of rebuilding. president obama is out there with chris christie, and they are best friends now. and they are sharing ice cream cones. and but the government has an oblig